For my weeklong rental at a hertz non airport location in southern California, the only reasonable rates are for commercial vans (like Ford Transit). Cars are double the price.

My questions are:
1. Would my chase United credit card cover the insurance, or are there exclusions for commercial vans?
2. What are the chances I would be able to switch to a car at an airport or another non airport location?

I prefer a car rather than a van because I will probably drive 2000 miles and don't want to pay too much for gas, but cars are way overpriced. Thanks for any insights.

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